Alliance Bank (MO)

Alliance Bank (MO) is headquartered in Cape Girardeau and is the 147^th largest bank in the state of Missouri. It is also the 3,987^th largest bank in the nation. It was established in 1997 and as of December of 2011, it had grown to 39 employees at 3 locations. Alliance Bank (MO) has a 4-star health rating.

Data for Q4 2011

Institution Statistics Alliance Bank FDIC Certificate # 34566 BankRate Report View Year Established 1997 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $143.13 million Loans $101.90 million Deposits $128.44 million Equity Capital $14.54 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $510,000 Real Estate Owned $841,000 Historic Data - December 2010 Assets $129.64 million Equity Capital $12.78 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $551,000 Real Estate Owned $804,000 Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 1% Return on Equity 10.14% Interest Income $6.09 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Alliance Bank (MO) had $1.35 million in non-current loans and owned real-estate with $16.21 million in equity and loan loss allowances on hand to cover it. This gives Alliance Bank (MO) a Texas Ratio of 8.34% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliance Bank (MO) held steady from 9.36% as of December 31, 2010 to 8.34% as of December 31, 2011, resulting in a positive change of 10.94%.This indicates that the balance sheet and financial strength for Alliance Bank (MO) has held steady in recent periods. Deposit Growth In the past year, Alliance Bank (MO) has increased its total deposits by $11.69 million, resulting in 10.01% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alliance Bank (MO) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alliance Bank (MO) has $143.13 million in assets with $16.21 million in equity, resulting in a capitalization level of 11.32%, which is above average.

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